Even the once simple home mortgage now has so many flavors and styles and variations that it is difficult for people to make a decision.

A brand is no longer what we tell the consumer it is - it is what consumers tell each other it is.

Even some of the greatest technology-led revolutions, or allegedly technology-led, really were only made possible because of trends already present.

The current institutionally provided retirement plans will not cover people's needs upon retirement.

Even the once simple home mortgage now has so many flavors and styles and variations that it is difficult for people to make a decision.

Thirty to 40 years ago, most financial decisions were fairly simple.

Well, today people have to be self-reliant if they want a secure retirement income.